A type of life insurance that is allocated to customers in a certain proportion.

Participating insurance means that after the end of each fiscal year, the insurance company will distribute the distributable surplus of this type of participating insurance in the previous fiscal year to a certain proportion in the form of cash dividends or value-added dividends. A type of life insurance for the client.

In the current statistical caliber of the China Insurance Regulatory Commission, participating life insurance, participating pension insurance, participating endowment insurance and other insurance types with dividend functions are included in the scope of participating insurance.